My CSR limit is lower than my CSP limit despite getting a raise this year....

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They might be managing the total limit across both.

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Consolidating limits isn't a bad idea, but Freedom/Freedom Unlimited are pretty good cards to have in conjunction with CSR. There's no need to maximize CSR limit and give up the other two

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I suspect I have a higher credit utilization this month therefore temporarily lowering my credit score, would this affect it?

Ow1 is correct. Move limits around

What is your limit for CSR?

Downgrade your CSP to CS, ask to consolidate original CSP limit with CSR limit, they'll transfer limit minus 5k (minimum required to remain on CS) over to your CSR, effectively increasing your CSR limit.

Bad advice A2. Downgrade to a Freedom or Freedom Unlimited (depending on if you want 5x rotating or 1.5 x) and transfer as much limit as you want. Personally, I'd keep a decent amount for purchase that either hit the rotating or aren't travel/dining (i.e. When CSR is 1x).

^ When I did this the other day, they wouldn't let me downgrade out of the CS family.

How long have you had your CSP? If over a year, this shouldn't be the case. You might have had an uninformed service rep

Ah. That's what it was then. It's only been about 8 months

Otherwise yes, I did originally ask to get the freedom. But the intention of my above advice was to say to consolidate your two cards limits and set your non CSR to the minimum they require so you could maximize your CSR's limit

Thanks for the tips. Already have a Freedom and Citi DC for all my other needs, will keep the downgraded sapphire for the credit limit

I'm pretty sure you can get another Freedom and essentially raise your 5x cap to $15000 per quarters

^seriously? That would be so dangerous with restaurants/Amazon

I believe so. You might want to look into it, but I've heard that you can

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